One or more photo(s) has been virtually staged. Now completed as of 5/29/26. Located in the desirable Gulf Cove community and situated in a NO FLOOD ZONE, this home eliminates the need for mandatory flood insurance, helping reduce long-term ownership costs. Built by Top Tier Construction, this thoughtfully designed 3-bedroom, 2-bathroom residence with a 2-car garage sits on an oversized interior lot measuring 11,681 square feet, offering more space and flexibility than the typical 10,000-square-foot lots commonly found in the area. This property is served by private well and septic, a major benefit for homeowners seeking lower monthly utility costs, greater independence from public systems, and long-term savings. With no mandatory HOA, owners may join the Property Owners of Gulf Cove for just $75 per year, providing access to a community park, playground, and picnic pavilion. Boating enthusiasts can also purchase an optional boat ramp decal for an additional $75 per year, offering access to the community boat ramp with river access leading to Charlotte Harbor and the Gulf of Mexico. Fresh landscaping will enhance curb appeal upon completion, while the spacious interior lot offers privacy and versatility with room for boats, trailers, or recreational vehicles. Constructed with quality and livability in mind, this home features tile flooring throughout with no carpet, ensuring easy maintenance, durability, and a cleaner, allergy-friendly environment. The open-concept floor plan includes a desirable split-bedroom layout, providing privacy for the primary suite while maintaining inviting shared living spaces. The kitchen and dining area feature a distinctive lighting package, adding warmth and character beyond standard builder fixtures. The kitchen is equipped with quartz countertops, soft-close cabinetry, a large center island with breakfast bar seating, and a full stainless steel General Electric appliance package. Ceiling fans are included in every bedroom, the main living area, and the lanai. The primary suite offers a walk-in closet, dual-sink vanity, and walk-in shower with modern finishes. One guest bedroom includes its own walk-in closet, while the additional bedroom provides generous built-in storage. The guest bathroom features a tub/shower combination. Step outside to a covered lanai, extending the living space and creating the perfect setting for outdoor relaxation or entertaining. Additional features include an interior laundry room with utility sink, a 16 SEER energy-efficient HVAC system with heat pump, return air vents, and hurricane shutters stored in the garage for added peace of mind. Conveniently located near Boca Grande and Englewood beaches, as well as shopping, dining, golf, and boating, this home is ideal for full-time living, seasonal enjoyment, or investment—offering oversized lot value, boating access, optional HOA benefits, private utilities, and Gulf Coast lifestyle appeal.